Zonal Business Head - Affordable Housing Loans

Role Overview:

As the Zonal Business Head for Affordable Housing Loans, you will be instrumental in driving the strategic growth and operational excellence of our affordable housing finance business across a critical zone, based out of Chandigarh. This leadership role demands a visionary who can navigate complex market dynamics, build robust distribution channels, and foster a high-performance culture. You will be responsible for the end-to-end business lifecycle, from market penetration and sales target achievement to credit quality and P&L management. Working closely with sales, credit, operations, and product teams, you will champion our mission to provide accessible home finance solutions, directly impacting our market share, profitability, and the financial well-being of countless families. Your strategic decisions and leadership will be pivotal in shaping the future trajectory of our affordable housing portfolio in the region.

Key Responsibilities:

- Develop and execute comprehensive zonal business strategies to achieve aggressive growth targets and expand market presence in the affordable housing segment.

- Own the Profit & Loss (P&L) statement for the assigned zone, meticulously managing revenue generation, cost efficiencies, and overall profitability.

- Recruit, mentor, and lead a high-performing team of sales and operational professionals, fostering a culture of accountability, continuous learning, and exceptional customer service.

- Forge and nurture strategic alliances with builders, channel partners, and Direct Selling Agents (DSAs) to enhance lead generation and distribution capabilities.

- Oversee credit quality and portfolio health, ensuring strict adherence to lending policies and effective management of risk parameters.

- Drive operational excellence by streamlining processes, implementing best practices, and ensuring compliance with all regulatory guidelines.

- Collaborate cross-functionally with credit, operations, product development, and marketing teams to align strategies and optimize business outcomes.

Required Skillset:

- Demonstrated expertise in affordable housing finance, encompassing deep product knowledge, robust credit assessment principles, and a nuanced understanding of market dynamics.

- Proven track record of successfully managing large sales teams and consistently exceeding ambitious business targets in a competitive financial services environment.

- Exceptional leadership and team-building capabilities, with a history of developing talent and fostering a high-performance, collaborative work environment.

- Superior negotiation, stakeholder management, and interpersonal communication skills, adept at influencing decisions and building lasting relationships.

- Strong analytical acumen and P&L management proficiency, capable of making data-driven strategic decisions.

- An MBA from a premier institution

- Ability to thrive in a dynamic, target-driven setting, coupled with a strong understanding of the North Indian market landscape and willingness for extensive travel within the zone.